Re: Less "popular" CCs that are appealing?

longtimelurker wrote:

thom02099 wrote:

Some of the regional banks have been the "darlings" on sites such as this over the years. I recall about 6-7 years ago, 1st Command Bank was one of those "must have" cards, due to their low APR and generous terms. Not unlike the favour that the Duck/Beaver cards have garnered here lately. Simmons First and IberiaBank have also been the same sort of "darling" cards, not so much here though, as on some other sites from a few years back. They are still good cards to consider, though stringent requirements to get them.

Right, Simmons and Iberia are still great low-rate cards, but the strict conditions make them inapplicable to many here.

Still don't get the massive love of Duck/Beaver (high CL for many I guess) but I had always assumed it is just one of many.

The downside is that you have to have a card with one of those silly logos on it.

Re: Less "popular" CCs that are appealing?

MontegoMack wrote:

Are there smaller or lesser known credit card companies or CUs out there that you've got your eye on apping with, but you haven't because it's not AMEX, Chase, Discover, BoA, Barclay, Comenity, GE, etc.? It seems like the Duck and Beaver cards only recently became popular (though perhaps I missed it having such popularity over the couple years I've been on) throughout these boards and I'm wondering what could be next. Maybe it's a credit union that offers a huge CL or a smaller company that has unique perks. Maybe they're particularly easy with their underwriting or maybe just the opposite - maybe they're only for the 800 club.

Just starting a little conversation...

Thoughts?

*grammar edit

If you're going to be carrying a balance long term, and can't spin out the 0% offers, then I would focus on CU cards.

There are at least three reasons for this -- (1) lower APRs, (2) higher CLs, and (3) less AA risk. Some CU cards also have rewards, for example 1% cashback. A few have even better rewards, for example LMCU and Penfed.

Heya Tuxedo77!!!!!!! Psst ... Psst ... want another delicious list of obscure CCs? LOL Oh wait, myjourney might see this and send those rabid squirrels in my direction... they shredded my jeans last time leaving them looking like a hula skirt... as a reminder not to encourage indiscrimnate apps

Heya Tuxedo77!!!!!!! Psst ... Psst ... want another delicious list of obscure CCs? LOL Oh wait, myjourney might see this and send those rabid squirrels in my direction... they shredded my jeans last time leaving them looking like a hula skirt... as a reminder not to encourage indiscrimnate apps

LOL, shredded jean-skirts are pretty doggone trendy. Just hope you live in a warm part of the country

Came close to a Santander app last week, but I'm "saving myself" for Huntington whenever they get ready to expand.

Heya Tuxedo77!!!!!!! Psst ... Psst ... want another delicious list of obscure CCs? LOL Oh wait, myjourney might see this and send those rabid squirrels in my direction... they shredded my jeans last time leaving them looking like a hula skirt... as a reminder not to encourage indiscrimnate apps

LOL, shredded jean-skirts are pretty doggone trendy. Just hope you live in a warm part of the country

Came close to a Santander app last week, but I'm "saving myself" for Huntington whenever they get ready to expand.

LMAO... Nope, Ohio is not warm this time of year and just think how freezing cold it would be wearing something like that!

It probably wouldn't hurt to wait. The last update was beginning of 2014, not sure of the exact date though. From what I've heard, they've had a good response with the Voice CC within the current Huntington Bank footprint.... so we'll see.

Heya Tuxedo77!!!!!!! Psst ... Psst ... want another delicious list of obscure CCs? LOL Oh wait, myjourney might see this and send those rabid squirrels in my direction... they shredded my jeans last time leaving them looking like a hula skirt... as a reminder not to encourage indiscrimnate apps

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